PackageTrendsPeer
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Kitco Employees

Louisville, KY · Charter 62089

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kitco Employees

Louisville, KY · Charter 62089

Q3 2012

$0KAssets
$0KLoans
$0KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -136166800.00%, down 13,616,679,625 bps year over year; NIM at -100421466.67%.
  • Capital: net worth / assets of 100.00%, up 5,715 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-136166800%-13,616,679,625 bps YoY

Net Interest Margin (YTD, annualized)

-100421467%-10,042,146,819 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+5,715 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-3.75%-4.04%-11.84%-23.80%-136166800%-13,616,679,625 bps
Return on Equity-8.76%-9.55%-28.46%-64.22%-136166800%-13,616,679,124 bps
Net Interest Margin1.53%1.26%0.28%0.23%-100421467%-10,042,146,819 bps
Efficiency Ratio328%386%140.22%631%n/an/a
Growth
Asset Growth (YoY)-14.02%-8.35%-9.93%-16.97%-100.00%-8,598 bps
Loan Growth (YoY)-78.76%-79.72%-100.00%-100.00%-100.00%-2,124 bps
Share Growth (YoY)-16.13%-6.53%-7.20%-8.39%-100.00%-8,387 bps
Asset Quality
Delinquent Loans / Loans20.02%35.91%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.91%0.00%n/an/an/an/a
Capital
Risk-Based Capital42.85%42.36%41.61%37.05%100.00%+5,715 bps
Net Worth / Assets42.85%42.36%41.61%37.05%100.00%+5,715 bps
Liquidity & Funding
Loans / Shares11.54%7.66%0.00%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps